<p>I lot of families in the $100K range have moms who worked in the home when the kids were very young and only recently went back to work for wages. </p>
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<p>This is our situation. To be honest, it is a pretty good situation to be in … my “new” earnings went toward school. Our lifestyle was not improved when I returned to work, but we were able to pay for the kids to go to college. Many on CC would be upset if they were in this situation, complaining that they have to pay anything (or more than they want to pay, at the very least) … but we viewed it as a blessing to be able to take care of our kids’ college costs. That said, I still wish we had saved more over the years. I was lucky to have found a job (I returned to work in 2008, as the bottom dropped out of the economy), and D was lucky to attend a private school that paid the difference between our giant EFC and the even-larger COA. S is at a state school, and it costs less than our EFC. The best thing to do is save, save, save … save early, save often.</p>